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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $327,318 | $106,247+208.1% | $96,515+239.1% | $139,466+134.7% |
| Participation rate | 66.7% | 77.8%-11.2pp | 74.3%-7.7pp | 80.3%-13.7pp |
| Annual return | 5.06% | 38.47%-33.4pp | 35.73%-30.7pp | 373.66%-368.6pp |
| Employer contribution / active EE | $8,844 | $4,106+115.4% | $3,740+136.5% | $4,754+86.0% |
| Participant deferral / active EE | $22,371 | $5,456+310.0% | $4,880+358.4% | $6,712+233.3% |
| Admin fee / account holder | $818 | $7,885-89.6% | $6,735-87.9% | $11,409-92.8% |